Plan F

Medicare Supplement Insurance Plan F* is the most comprehensive plan offered by Blue Cross and Blue Shield of New Mexico. This plan is the most popular choice among seniors simply because it offers the most protection of all the standardized plans offered in the state. With this plan you can count on coverage for deductibles, copays, coinsurance and additional benefits Original Medicare does not provide.

Benefits

Medicare has been helping seniors like you get dependable health care for generations. But it wasn’t designed to pay for everything. Out-of-pocket expenses can be high, even with Medicare benefits. This plan offers Medicare recipients complete coverage including Part A hospital deductible and coinsurance, the cost for 365 days hospital care after Medicare coverage ends, Part B deductible and any Part B excess charges Medicare will not pay.

Provides supplemental Medicare coverage for hospitalization (Part A), medical services (Part B), skilled nursing facility care, hospice care and home healthcare approved services. That means Medicare Supplement Insurance Plan F pays the 20 percent remaining costs for you to receive semi-private room and board, general nursing and miscellaneous services and supplies as well as outpatient medical services, supplies and treatment, physician services, physical and speech therapy, diagnostic tests and durable medical equipment. In addition, your coinsurance for days 21-100 of skilled nursing care are covered, as are the first three pints of blood 100 percent and 80 percent of any foreign emergency care you need up to $50,000 during your lifetime.

Benefits Summary

  • Part A deductible and coinsurance
  • 365 extra days of hospital care after Medicare benefits end
  • Part B deductible, coinsurance and 100 percent of excess charges
  • Skilled nursing facility copayment, hospice care and home healthcare approved services
  • 100 percent coverage for the first three pints of blood
  • After a $250 cost, 80 percent foreign travel emergency care (up to $50,000 lifetime)

What You Can Expect To Pay 

You will pay a monthly premium, hospitalization costs beyond the additional 365 days after the Lifetime Reserve are used, costs after 101 days in a skilled nursing facility, $250 per calendar year for foreign care and 20 percent of costs within the first $50,000. However, if you agree to use a Medicare Select participating hospital for non-emergency elective admissions, you can save on your premiums.

Blue Cross Blue and Shield of New Mexico will never terminate or refuse to renew your policy because of the condition of your health. And for seniors looking for protection backed by a solid reputation.

 

 

Benefits Medicare
does not pay in 2021
Expenses covered by our plans
Plan A Plan B Plan F High
Deductible
Plan F
Plan N*
Part A (Hospital Services)**
$1,484
Medicare
hospital
deductible
$370 per day
copayment for
covered
expenses for
days 61-90 in
hospital
$742 per day
copayment for
covered
expenses while
you use your
Lifetime
Reserve
100% of
Medicare
allowable
expenses for
additional 365
days after
Medicare
hospital
benefits stop
completely
Calendar year
blood
deductible
(charges for
first three pints
of blood)
$176.00 per day
for days 21-100
in a skilled
nursing facility
Hospice care
(Medicare Part
A)
Part B (Physician’s Care and Medical Services)
$203 Part B
deductible
Coinsurance
for medical
expenses (25%
of Medicare
approved
amount for
preventive
services and
20% for most
others)†
Generally 20%
except up to $20
copayment for office
visit and up to $50
ER
100% of
Medicare Part B
excess charges
(above
Medicare
approved
amounts)
Coinsurance
for durable
medical
equipment
(20% of
Medicare
approved
amounts)†
Additional Expenses Not Covered by Medicare
Benefits for
medically
necessary
emergency
care received in
a foreign
country††

 

* Plan F also has an option called a high-deductible Plan F. This high-deductible plan pays the same or offers the same benefits as Plan F after one has paid a calendar year $2,370 deductible. Benefits from high-deductible Plan F will not begin until out-of-pocket expenses are $2,370.

Out-of-pocket expenses for this deductible are expenses that would ordinarily be paid by the policy. These expenses include the Medicare deductibles for Part A and Part B but do not include the plan’s separate foreign travel emergency deductible.

** Hospital benefits must be provided by facilities participating with Medicare. Payments are limited to the reasonable charge as determined by Medicare.

*** After 90 days of hospitalization, Medicare benefits are paid from a one-time lifetime reserve of 60 additional days (days 91-150) which are not renewable each benefit period. See your Outline of Coverage for details and limitations of these benefits.

† After $203 Part B deductible is met for Plans A, B, F, High Deductible Plan F, and Plan N.

†† Foreign Travel Emergency covered at 80% after first $250 each is paid each calendar year; up to $ 50,000-lifetime maximum.

*Not connected with or endorsed by the U.S. Government or Federal Medicare Program

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